ELCART/UnionPay Classic
A convenient tool for paying travel, entertainment and other company expenses
Currency: KGS, USD
Card benefits
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Free issue
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1st year of service - KGS 160 / USD 2
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Further maintenance - KGS 400
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Cashing out - 0%
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Minimum balance - KGS 400
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SMS notification
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Connection to KICB application
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Internet payments
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Automatic currency conversion
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Overdraft limit
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Discount program
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Wide ATM and branch network
How to get a card
Order a card online through the KICB app or through the Bank's website
Apply at any Branch of KICB Bank
The paperwork will take no more than 10 minutes
Methods of replenishment
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ATMs with card replenishment service (link to the list on the website);
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Payment Terminals
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Bank Branches
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ELSOM electronic wallet
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KICB Online Banking
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Other types of third-party online services.
How to withdraw money
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KICB ATMs and devices;
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ATMs of a Friendly network at KICB rates;
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KICB branches;
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Branches of the friendly network.
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Important information for Cardholders
Important Information for Cardholders:
In order to ensure the safe use of your bank card, as well as to exclude the possibility of illegal and unauthorized use of your bank card by third parties, we recommend that you adhere to the following rules:
- Do not disclose:
- Personal data (last name and first name) of the cardholder;
- Card number and its expiration date;
- A 3-digit verification number (Card Verification Value/Code) located on the back of the card;
- Your PIN code;
- Provide such conditions for storing the card that exclude any possibility of its loss, damage, copying of data from the card, its unauthorized and illegal use.
- If you have lost your card, immediately block the card via Internet banking or inform the Bank's Call Center at *** or the Interbank Processing Center by phone (+996 312) 66-43-25 or 62-72-30. Your card will be blocked immediately. The sooner you do this, the less chances you will leave to scammers.
- After receiving a new card, be sure to put your signature on the back of the card on a special signature strip.
- Do not expose the card to a magnetic field. As a result, the magnetic stripe located on the card may lose its properties, i.e. demagnetize. It is not recommended to carry the card in bags and purses with magnetic latches, store the card near electrical household appliances, mobile phones.
- Do not transfer the card to other persons. Only the holder of the bank card whose name is indicated on the card has the right to use it.
- Never respond to emails/messages asking you to update/provide your card details via the website. Any confirmation or update of the information occurs only upon personal request of the client.
- Keep confidential information about your card secret from other persons.
- We recommend that you connect Internet banking and regularly check your card statements to control the flow of funds on your card account or contact the Bank for an account statement.
- We also remind you that no one knows your PIN code except you! It is strictly forbidden to transfer the card and PIN code to third parties!
3D Secure Service for Cardholder Confirmation
To confirm the transaction by the cardholder, it is necessary to enter the confirmation code provided by the bank for each transaction, which will be sent to the mobile phone number or e-mail linked to the card.
Making a payment using the 3D Secure service is as follows:
- The buyer chooses a product / service on an Internet resource.
- When placing an order, the buyer enters their card details for online payment.
- The buyer goes to a secure page and receives payment confirmation with a one-time password received on their mobile number or email linked to the card.
- The buyer enters the one-time password into an empty field and presses the "Confirm" button. After that, the operation is completed, and the required amount is debited from the card.
The terms of the 3D Secure service are described in the Public Offer.
FAQ
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At what age can I apply for a card?
The card can be issued to individuals who have reached the age of 16; age of holders of additional cards is 14.
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How do I get a card? What is the production time?
You can order a bank card through various methods:
- Order online through the website
- Order online via the KICB application
- Apply at any branch of the Bank
When applying for a bank card:
- You must have an identity document with you.
- Fill out the necessary forms (application and contract).
- Pay the cost of annual card maintenance according to the Tariffs.
The production period of the card from the date of submission of the application is 7-10 banking days. Urgent issue of the card (only in Bishkek and Osh) within 2 banking days is done for an additional fee in accordance with the Bank's Tariffs.
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Can I find out the available balance on the card account by calling by phone?
No, you can't. This information is confidential, and in order to protect the interests of the cardholder, the account is not provided by phone. You can find out the available amount on the card account by requesting a statement indicating the available amount using any ATM of the Bank or POS terminal installed in the Bank branch, as well as via Internet banking.
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Where to contact if the ATM has taken my card and not giving it back?
First of all, you need to block the card. Then contact the bank that installed the ATM. The details by which you can contact the ATM owner are usually indicated on the front panel. If you could not identify the bank that maintains the ATM, then you should call your bank and tell the country, city, street and number of the house where the ATM is located. The bank's specialists will tell you the name of the bank and the phone number, and will provide other necessary assistance. To facilitate and speed up communication with your bank, we recommend to name the card number (write it down in your notebook). To get a card back, you will need an identity document and also, probably, you will have to write a special application.
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Who should I contact in case of malfunction of KICB ATMs?
To the nearest branch of the Bank at the location of the ATM or call the Contact Center.
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Is there a limit to the period of use of the card?
Yes. The card is valid until the end of the month and year indicated on the front side. Operations are not carried out on expired cards. To replace the card due to its expiration, you can apply online through the website, Internet banking, or you need to apply in writing to any KICB branch. We recommend that you replace the cards due to expiration in advance.
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What should I do if a card is lost or stolen?
It is necessary to block the card urgently through the KICB Application or inform the Bank's Contact Center by phone +996 (312/553/774/704) 62 01 01 or the Interbank Processing Center by phone (+996 312) 66-43-25 or 62-72-30.
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How can I gain Internet access to the card?
You can enable online access through the KICB app. You can also contact any branch of the Bank and fill out an appropriate application. Access to Internet operations on the card becomes available in one working day.
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I have other questions that I haven't found the answers to in this document. What should I do?
Call the Bank's 24-hour Contact Center: (0312) 62 01 01; (0553) 62 01 01; (0774) 62 01 01; (0704) 62 01 01 - WhatsApp, send us a message in the chat, on social networks or contact us by email [email protected] .
News
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Payment of interest income on registered interest bearing Bond
On payment of interest income and redemption of registered interest-bearing bonds of the sixth issue (KG 0206166918)
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KICB has started Сonsumer loan campaign
For all clients wishing to receive a loan for consumer purposes: purchasing equipment, furniture, home renovation, purchasing household items, jewelry, paying for education, and other personal purposes, KICB has reduced the interest rate on the “Personal” loan.
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ELSOM Announces Merger with KICB Mobile App
The electronic wallet “ELSOM” is undergoing a platform modernization process, aiming to provide its clients with access to advanced online financial services.